DeMott Bankruptcy Guide

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DeMott Bankruptcy Guide


“When you can’t figure out where to turn, give us a call. We care, and we’ll listen. We’ve helped thousands of people through the most difficult times in their lives. We love seeing clients overcome financial problems. It’s why we do what we do.”

—Charleston Area Bankruptcy Attorney Russell A. DeMott

rsz_1rsz_11rsz_demott_018For over 20 years, clients have trusted me to help them with difficult financial problems.

Whether you’re facing lawsuits, foreclosure, garnishment, or harassment from creditors, we can help. We have a team of dedicated attorneys and paralegals who help people with financial problems every day.

Thanks for visiting our site. You’ll find that it has a huge amount of helpful information for anyone considering bankruptcy. Don’t forget to visit our blog by clicking on the menu button above. It has over 100 blog posts organized by topic.

And remember that if you need help, we’re only a phone call away. We’ll find the right solution for your financial problems.

There’s light at the end of the tunnel!

Russell A. DeMott, Bankruptcy Lawyer

Our Services

Chapter 7 Bankruptcy

Chapter 7 is sometimes referred to as “straight bankruptcy.” There is no repayment plan with a Chapter 7. The advantage is that a Chapter 7 bankruptcy is


Chapter 13 Bankruptcy

Chapter 13 is a payment plan bankruptcy, also called a “reorganization” bankruptcy or a “wage earner” bankruptcy. The best way to explain Chapter


Creditor Negotiation

This actually isn't a bankruptcy service at all; in fact, it is usually done to avoid bankruptcy. This is simply working out a settlement agreement with your creditors.



Kristina worked incredibly hard on our case, was always able to supply answers and most important to us; she was always up front and to the point with information. Her responsiveness and follow up was impeccable and we were never left having to wonder the status of our situation. She proved to the end to be very non judgmental and incredibly flexible. 5 stars, for sure!

What our clients say

Mr. DeMott and his team of professionals helped us through a difficult time with guidance, sensitivity, and great communication, every step of the way. Mr. DeMott was always there to answer our endless questions, and we can’t thank him enough for all he’s done for us!!

EXCELLENT EXPERIENCE!!! So very thankful to have found Russ DeMott… I don’t know what I appreciated more: the compassion for the situation, the great guidance (even with my circumstances changing quite a few times while working together), the knowledge, the willingness to share (just see his blog!). Excellent communication and support throughout the whole process is competing, too… Despite such a trying time, it was an excellent experience indeed!

Let me start by saying that Russ DeMott is the first lawyer we’ve ever worked with that we actually like as a person! Filing for bankruptcy was a very difficult and emotional decision for my husband and I, and Russ and his staff were thoroughly supportive, sympathetic, and kind. In addition, they really know their stuff! Everything was explained fully, and the paper-gathering process was far easier than I thought it would be. Best of all, the whole team was very accessible from start to finish.

As unpleasant as bankruptcy can be, Russ and his group are knowledgeable, comforting and proactive throughout the entire process. I was – and still am- most impressed with Russ’s availability to answer any of my questions and with his team’s sensitivity to my personal life and the amount of care they exhibit in each interaction with me. Thank you, DeMott Law Firm, for making a bad situation much better than I’d ever expected it could be.

My husband and I would like to say Thank You to Russ DeMott and his staff for everything! When I lost my job this past year it put us in such a financial bind that we didn’t know what to do. So, we had to make the decision to file bankruptcy. It wasn’t something we wanted to do it was what we had to do. We chose Russ DeMott as our bankruptcy attorney and we were so glad that we did. He and his staff were so helpful, very informative and great to work with. Such a relief to have our financial problems behind us now. It feels great!!! Thank you again.

Russ DeMott and his staff help us tremendously. They were very professional, communicate effectively and are very knowledgeable in their business. They pay close attention to the details and we had a great experience working with them. I highly recommend them.

Russ and his entire staff are superb! Not only did he help me during the filing of my case, but he was also available to assist me after my case had been discharged. My case was very complex and I often found myself becoming very frustrated with the entire process. However, no matter how many emails I would send or calls I would make to Russ and his staff not once was I made to feel like a bother or a nuisance. Instead, I would be advised to remain calm and that everything would work out. Fortunately, it did and I cannot thank Russ enough!

The DeMott Law Firm was very helpful through a most difficult time in our life. They were always available to answer questions and concerns. They took away much of the stress and worry. During the ‘meeting of the creditors’ with the trustee it was obvious we made the best choice in hiring the DeMott Law Firm. As we waited for our turn listening to other cases and seeing how disorganized they were it was becoming very scary. Then our turn came it could not have going any more smoothly.

SC Bankruptcy Attorney